Product Notice

Terms and Conditions

USE RESTRICTIONSThe copyright in all material provided on this site ("Site") is held by FirstOntario Credit Union Limited or by the original creator of the material. Any unauthorized use of any material contained on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

NOTICE

Use of this Site is subject to certain Terms of Use which constitute a legal agreement between you and FirstOntario Credit Union Limited . Please review this information and, if you do not agree, do not use this Site.

Although we strive for accuracy, timeliness and completeness, rates and information quoted are not guaranteed and may change at any time.

By use of this Site, you acknowledge that:

the information which may be provided on the FirstOntario Credit Union Limited Website is for informational purposes only and is not intended to provide specific financial, tax, accounting or legal advice;while FirstOntario Credit Union Limited believes the information contained on the Website to be correct and attempts to keep the information current, FirstOntario Credit Union does not warrant the accuracy or completeness of any such information and expressly disclaims any liability for errors or omissions in this information;any links to other Websites are provided for convenience only and no endorsement of any third party products or services is expressed or implied by any information referred to or linked from or to the FirstOntario Credit Union Limited Website;FirstOntario Credit Union Limited does not represent or warrant that the services provided through the FirstOntario Credit Union Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or other harmful components;FirstOntario Credit Union Limited recommends that the Member install, update and use an anti-virus program whenever the FirstOntario Credit Union Limited Website is accessed. FirstOntario Credit Union Limited also recommends that the Member establish a data backup and recovery process to protect data from any loss or damage; andin no event will FirstOntario Credit Union Limited or any of its affiliates be liable to the Member or any third party for any loss or damage of any sort (including destruction or loss of data, software or hardware) whether arising in contract, tort or otherwise, caused by or arising in connection purposes only and is not intended to provide specific financial, tax, accounting or legal advice.

COPYRIGHT and TRADEMARKS

®ACCEL is a registered trademark owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.

®CHOICE REWARDS is a registered trademark of FIA Card Services, National Association used pursuant to licence.

®CIRRUS is a registered trademark of Mastercard® International used under license.

®Credential and Credential Direct are registered marks owned by Credential Financial Inc. and are used under licence.

™CUIS is a trademark owned by Credit Union Central of Canada, used under license by Credit Union Central of Ontario, and is used under sub-license by FirstOntario Credit Union.

™CUMIS is a trademark owned by Cumis Insurance Society, Inc., and is used under license.

®Ethical, The Ethical Funds Company and Ethical Funds are registered marks owned by Ethical Funds Inc. and are used under licence.

®INTERAC is a registered Trademark owned by Interac Inc. and is used under license.

®MASTERCARD, PLATINUM CLASS MASTERCARD, MASTERASSIST, MASTER ROADASSIST, MASTERTRIP, MASTERPURCHASE, MASTERRENTAL and MASTERLEGAL are registered trademarks owned by Mastercard® International Incorporated and are used under licence.

®MEMBERDIRECT is a registered trademarks owned by Credit Union Central of Canada and are used under license.

™MERITLINE and MERITLINE LINE OF CREDIT are Trademarks of Credit Union Central of Ontario Limited, used under licence.

®THE EXCHANGE Network is a registered Trademark licensed for use in Canada by FICANEX Services Limited Partnership.